Systems and methods for analyzing property related information

ABSTRACT

A property analyzer device may include (1) a receiver configured to receive property identification information from a mobile device, the received property identification information including a picture of the property and/or a property location; (2) a retriever configured to retrieve property-related information from multiple property sources (such as public record databases, websites, or an internal company database) based upon the received property identification information; (3) a processor configured to consolidate the retrieved property-related information into a consolidated property-related image of the property; and (4) a transmitter configured to transmit the consolidated property-related image to the mobile device for review by a user. The mobile device may display the consolidated images that may include several images of the property taken over time (such as showing repairs or improvements made), home insurance quotes, home loan quotes, and other types of property-related or community information that home buyers or owners would find useful.

CROSS-REFERENCE TO RELATED APPLICATION

This application is a continuation of and claims priority to U.S. patentapplication Ser. No. 17/573,280, filed Jan. 11, 2022, which is acontinuation of and claims priority to U.S. patent application Ser. No.16/419,189, filed May 22, 2019, which issued as U.S. Pat. No. 11,238,537on Feb. 1, 2022, which is a continuation of and claims priority to U.S.patent application Ser. No. 15/243,000, filed Aug. 22, 2016, whichissued as U.S. Pat. No. 10,346,924 on Jul. 9, 2019, which claimspriority to U.S. Provisional Patent Application Ser. No. 62/240,958,filed Oct. 13, 2015, the contents of which are hereby incorporated byreference, in their entirety and for all purposes, herein.

FIELD OF THE DISCLOSURE

The present disclosure relates to a computing device-based applicationthat may analyze and consolidate property data, and more particularly,to systems and methods for consolidating property-related data frommultiple data sources into a consolidated view that may be output to thedisplay of a user interface of a user device to improve user convenienceand efficiency.

BACKGROUND

Computing device-based applications are becoming increasingly popular intoday's world of ever expanding mobile devices and mobile devicefunctionality. One of the reasons for the increasing popularity is theability of users to download mobile applications to their mobiledevices. For example, a mobile application may be a software applicationdeveloped for use on a small wireless computing device, such as asmartphone, a tablet, a personal digital assistant, an MP3 player, andthe like. Mobile applications may be designed with consideration fordemands and constraints of the devices, and also take advantage of anyspecialized capabilities that a mobile device may have.

In the current housing and commercial property markets, disparateinformation sources related to a property exist. For example, someresources for gathering property information about a property a user isinterested in purchasing include records history aggregators such asHOUSEFAX®, public records, in-person visual inspections of the property,aerial imagery, multiple listing service (MLS) listings, and the like.However, the drawbacks here are the need to use all these differentreports and imagery in order to gather the information about theproperty. Also, when a user applies for a home loan, for homeowner'sinsurance, for closing on the property, and the like, the informationmust be submitted or re-submitted each time.

Accordingly, there is a need for instant and consolidated access touseful information that may be used to facilitate customer, realtor, andinsurance agent research of a property. In addition, the act ofpurchasing a home also typically includes a process of shopping for ahome loan (i.e., mortgage rate) and homeowners insurance. But currentlythese are treated as separate processes rather than being integratedinto a continuum, and typically require separate application processesand re-submission of the same user information. The present embodimentsmay alleviate the drawbacks and disadvantages described above and/orother deficiencies of the conventional techniques.

BRIEF SUMMARY

The present embodiments may relate to systems and methods for analyzingand electronically linking and/or combining relevant home purchasingdata sources into a consolidated view on a user-interface (UI) for auser, thereby enabling advanced and timely research capabilities. Forexample, based upon location services such as a Global PositioningSystem (GPS) and/or object recognition, such as photo matching ofproperty photos, a target location address may be established. Theaddress may be used to retrieve home buying-relevant information frominternal company data stores and from third parties. In addition, imagescaptured by a camera, for example, a camera of a mobile device may beused to discover disparities with pictures of the property previouslystored on internal or third party databases, such as when a remodelingof or damage to the property has occurred, as well as recognition ofpotential safety, liability, and maintenance concerns. Trends related tothe property and/or to the neighborhood may also be displayed, forexample, trends in market price over a particular amount of time,insurance rates, school information, and the like.

In one aspect, a property analyzer computing device may be provided. Theproperty analyzer computing device may be configured to display acombination of property-related information on a screen of a mobiledevice. The property analyzer computing device may include (1) areceiver configured to receive property identification information froma mobile device of a user, the received property identificationinformation comprising a property identifier including at least one of apicture of the property and a location of the property; (2) a retrieverconfigured to retrieve property-related information from multipleproperty sources based upon the received property identificationinformation, each of the property sources comprising a public recorddatabase or an internal database of a company; (3) a processorconfigured to consolidate the retrieved property-related informationinto a consolidated property-related image; and/or (4) a transmitterconfigured to transmit the consolidated property-related image to themobile device of the user to facilitate display of the consolidatedproperty-related image on the screen of the mobile device. The propertyanalyzer computing device may include additional, less, or alternatefunctionality, including those discussed elsewhere herein.

In another aspect, a computer-implemented method for displaying acombination of property-related information on a screen of a mobiledevice may be provided. The method may include (1) receiving propertyidentification information from a mobile device of a user, the receivedproperty identification information comprising a property identifierincluding at least one of a picture of the property and a location ofthe property; (2) retrieving property-related information from multipleproperty sources based upon the received property identificationinformation, each of the property sources comprising a public recorddatabase or an internal database of a company; (3) consolidating theretrieved property-related information into a consolidatedproperty-related image; and/or (4) transmitting the consolidatedproperty-related image to the mobile device of the user to facilitatedisplay of the consolidated property-related image on the screen of themobile device for user review. The method may include additional, less,or alternate actions, including those discussed elsewhere herein.

In yet another aspect, at least one non-transitory computer-readablestorage media having computer-executable instructions embodied thereonfor displaying a combination of property-related information on a screenof a mobile device may be provided. The computer-executableinstructions, when executed by at least one processor, may cause theprocessor to (1) receive property identification information from amobile device of a user, the received property identificationinformation comprising a property identifier including at least one of apicture of the property and a location of the property; (2) retrieveproperty-related information from multiple property sources based uponthe received property identification information, each of the propertysources comprising a public record database or an internal database of acompany; (3) consolidate the retrieved property-related information intoa consolidated property-related image; and/or (4) transmit theconsolidated property-related image to the mobile device of the user tofacilitate display of the consolidated property-related image on thescreen of the mobile device for user review. Additional, less, oralternate instructions may be provided such as instructions directingthe functionality discussed elsewhere herein.

Advantages will become more apparent to those skilled in the art fromthe following description of the preferred embodiments which have beenshown and described by way of illustration. As will be realized, thepresent embodiments may be capable of other and different embodiments,and their details are capable of modification in various respects.Accordingly, the drawings and description are to be regarded asillustrative in nature only and not as restrictive.

BRIEF DESCRIPTION OF THE DRAWINGS

The Figures described below depict various aspects of the systems andmethods disclosed therein. It should be understood that each Figuredepicts an exemplary embodiment of a particular aspect of the disclosedsystems and methods, and that each of the Figures is intended to accordwith a possible embodiment thereof. Further, wherever possible, thefollowing description refers to the reference numerals included in thefollowing Figures, in which features depicted in multiple Figures aredesignated with consistent reference numerals.

There are shown in the drawings arrangements which are presentlydiscussed, it being understood, however, that the present exemplaryembodiments are not limited to the precise arrangements and areinstrumentalities shown, wherein:

FIG. 1 illustrates an exemplary block flow chart of data being capturedby a computer-implemented application of a mobile device and a computersystem determining property-related information to be displayed in aconsolidated view based upon the captured data, according to oneexemplary embodiment.

FIG. 2 illustrates an exemplary property analyzer computing deviceconfigured to provide a user with a consolidated view ofproperty-related information, according to one exemplary embodiment.

FIG. 3 illustrates an exemplary sequence diagram of a user capturingidentification information of a property using a mobile device andtransmitting the captured identification information to a propertyanalyzer computing device, according to one exemplary embodiment.

FIG. 4 illustrates an exemplary screen shot of a personal propertyincluding renovation information being simultaneously displayed withmultiple pictures of the property in a consolidated view, according toone exemplary embodiment.

FIG. 5 illustrates an exemplary screen shot of a commercial propertyincluding insurance information, workers compensation information, andbuilding permit data, being simultaneously displayed with a picture ofthe property in a consolidated view, according to one exemplaryembodiment.

FIG. 6 illustrates another exemplary screen shot of a personal propertyincluding sales history information, market value information, schoolinformation, tax information, insurance information, and the like, beingsimultaneously displayed with a picture of the property in aconsolidated view, according to one exemplary embodiment.

FIG. 7 illustrates an exemplary method for providing a user with aconsolidated view of property-related information, according to oneexemplary embodiment.

FIG. 8 illustrates an exemplary mobile computing device according to oneexemplary embodiment.

FIG. 9 illustrates another exemplary property analyzer computing deviceaccording to another exemplary embodiment.

The Figures depict preferred embodiments for purposes of illustrationonly. One skilled in the art will readily recognize from the followingdiscussion that alternative embodiments of the systems and methodsillustrated herein may be employed without departing from the principlesof the invention described herein.

DETAILED DESCRIPTION OF THE DRAWINGS

The present embodiments may relate to, inter alia, systems and methodsfor consolidating relevant home-buying data on a screen of a user devicefor user convenience, enabling more efficient, advanced, and usefulresearch capabilities. For example, based upon location services such asGPS and/or object recognition, such as photo matching of propertyphotos, a target location address of the property may be established.The address may then be used to retrieve home purchasing informationfrom third parties (e.g., realtors, surveyors, building inspectors,insurance companies, county assessors, and the like), and from publicdatabases, such as those stored on the internet. The home purchasinginformation gathered from third parties, public databases, and the like,which have not been previously combined in the conventional art, may becoupled together by aspects of the exemplary embodiments. The combinedinformation may be output to a user of a mobile device, or othercomputing device, to allow the user to view home purchasing informationcoupled together on a single screen, thus creating a more convenient andefficient way for a user to shop for a property.

Previously, a significant amount of home purchasing information wouldneed to be received separately and/or independently of each other, anddisplayed separately and independently. In some examples of the homepurchasing information, the user would not even be able to retrievecertain home purchasing information electronically on a mobile device,or at all, but instead must gather the information in-person such aspictures of the property, previous pictures of the property, remodelingdata, and the like, or not receive or gather the information at all,such as how the property actually looked 5 years ago, insuranceinformation, workers compensation information, licensing information,and the like. In contrast, according to exemplary embodiments, homepurchasing information that was not made available to users, orinformation that a mobile device did not have an option to downloadand/or receive, may be gathered or retrieved by the systems and methodsherein, and transmitted to the mobile device. Furthermore, thepreviously unavailable or unreceivable home purchasing information isnow capable of being combined on the same screen with other homepurchasing relevant information.

For example, the property analyzer computer device of the presentexemplary embodiments may be controlled by an entity such as aninsurance company, a realtor, a lender, and the like. As will beappreciated, these companies, and many others, have access to data thatindividual people or users do not have access to. Accordingly, theentity may gather or otherwise collect data that is not available to anindividual user, aggregate and/or anonymize the data to preventindividual personal information from being leaked, and provide suchaggregated or anonymized data to a user. As another example, the entitycould ask or receive permission or affirmative consent from theircustomers to make data available to the public which is not normallymade available. Accordingly, the property analyzer computing device mayelectronically link the previously unavailable data with a property oraddress, and output such electronically linked data to a user.

According to various exemplary embodiments, image data captured by acamera, for example, a camera of a mobile device for displaying aconsolidated image of property-related information, may be used todiscover disparities with third party data, public data, and currentlycaptured data, such as when a remodeling of the property has occurred.Furthermore, the image data may be used to recognize potential safety,liability, and maintenance concerns. Trends related to the propertyand/or to the neighborhood in which the property is located may also bedisplayed, for example, trends in price over a particular amount oftime, trends in utility costs, trends in the weather, and the like.

A determination of the information to be displayed may be based upon oneor more business rules, for example, when a major concern or risk of thetarget property is identified, or based upon user preferences, usersettings, and the like. Users may act on the displayed information in aplurality of ways. For example, a user may receive a customizedhomeowner's insurance quote that may be based upon information captured,retrieved, and/or known about the property or surrounding properties,receive customized mortgage rates, discover flood insurance eligibility,browse historical images of the property, and the like.

In addition to the object recognition inputs, the computer-implementeddata application or mobile application may retrieve and aggregate datafrom the internal company data for the property, for example, datastored by realtors, insurance companies, banks, service providers, andthe like. As a non-limiting example, the data may include historicalsevere weather data for the area or vicinity, crime records for thearea, legislative activities that bear on the property (for example,local property tax rates), local municipal alerts (historical), taxcredit records (for example, because of upgrades to the property'sappliances), building permit data, county assessor valuations,claims/loss data, flood plain maps, peril maps (for example, wildfire orstorm surge risks), historical “street view” images (for example, keyedby address and timestamp metadata), historical utilities rate data (forexample, trends and current going rates for electricity, and the like),market value fluctuations (per sale and/or per estimated value rangesvia services such as ZILLOW®), school district information (includingwhich schools serve the neighborhood and their various rankings andperformance data), upkeep trends (based upon evidence in historicalimages), information about the surrounding area (for example, grocerystores within walking distance, travel times to a user's workplace), andthe like.

In some embodiments, augmented reality enhancements may also be made tothe displayed consolidated property data by overlaying any and/or all ofthe above information onto a video feed or stream of the property whilethe property is being displayed by the mobile device. In addition, insome embodiments, the application may be used to stream information to aremote customer service associate (for example, an insurance salesagent, a realtor, a bank employee, and the like) in order to allow forvisual images of the property to be further analyzed by a third party.As another example, in some embodiments, the application may be embeddedwithin a larger suite of applications that facilitate the entire homepurchasing experience, including, but not limited to, sales negotiation,inspections, closings, and the like.

The mobile device may be a smartphone, a tablet, a laptop, an MP3player, or other computing device that enables a user of an applicationto experience a consolidated view of property-related informationcorresponding to a property. As a non-limiting example, the mobileapplication may be implemented by an insurance provider, or the like,such as an insurance carrier or a third party related to the insurancecarrier associated with the property. The insurance provider may adjustan insurance policy (including premiums or discounts) covering orassociated with the property based, at least in part, on data stored inthe mobile application and/or data about surrounding properties in thearea. In this example, a user may download the application, such as amobile application, to a smartphone that the user owns and controls.Accordingly, the user may use the mobile application to provide propertyidentification information to the insurance provider.

Furthermore, in some examples, the application or the mobile applicationmay be used to combine various property buying or leasing processes. Forexample, a property purchasing/leasing process may be combined with aprocess for applying for homeowners insurance, applying for a loan froma bank, and the like. In this example, a user may only input theirpersonal information once, into the mobile application, and the mobileapplication may retrieve and use this personal information for eachprocess, thus reducing the amount of time a user must spend in order toperform various processes.

At least one of the technical problems addressed by this system mayinclude: (i) disparate information sources related to a single property;(ii) separate process of a user buying a home and applying for amortgage or home loan; (iii) separate process of user buying a home andapplying for home owner's insurance; (iv) a user performing research todetermine potential concerns associated with a property; (v) performingmanual searches for property information on multiple real estatewebsites such as ZILLOW®, HOUSEFAX®, and MLS®, and/or (vi) making a tripto public records and the county assessor's office to find outinformation about the property.

A technical effect of the systems and processes described herein may beachieved by performing at least one of the following steps: (a)receiving property identification information from a mobile device of auser, the received property identification information comprising aproperty identifier including at least one of a picture of the propertyand a location of the property; (b) retrieving property-relatedinformation from multiple property sources based upon the receivedproperty identifier, each of the property sources comprising a publicrecord database or an internal database of a company; (c) consolidatethe retrieved property-related information into a consolidatedproperty-related image; and (d) transmitting the consolidatedproperty-related image to the mobile device of the user.

The technical effect achieved by the system and methods may be at leastone of: (i) integration of data sources (more numerous than in priormethods); (ii) picture-based risk location and property identificationfor a no-typing or data entering approach that still yields detailedinformation about a property; (iii) active object recognition for targetand risk determination, not just report consolidation; (iv) historicalimage browsing and historical maintenance browsing; (v) pre-fill of aninsurance quote or virtual application; and (vi) pre-fill of a mortgageor other loan quote or virtual application.

As an example, potential users of the systems and methods describedherein include realtors, customers or clients, insurance agents, banks,surveyors, building inspectors, county assessors, and the like. Asanother example, potential uses of the systems and methods describedherein include index/big data analysis, insurance claims, video quotes,mortgage or other loan rate quotes, insurance rate (or premium ordiscount) quotes, different property types including rental properties,and the like.

Exemplary Data Flow Diagram of the System

FIG. 1 illustrates an example of a block flow chart of data beingcaptured by a computer-implemented application of a mobile device and acomputer system determining property-related information to be displayedin a consolidated view based upon the captured data, according to oneexemplary embodiment. In this example, the data may be captured by amobile device of a user, for example, a mobile phone, a tablet, a laptopcomputer, a smart watch, and the like. The data may be transmitted tothe back end computer system, such as, a property-related informationconsolidating computing device that is controlled by an insurancecompany, a realtor, a home owner, and the like.

Referring to FIG. 1 , in 101, a user of a mobile device may capture oneor more images of a property and transmit the one or more images to thecomputer system. As another example, in 102, the mobile device maytransmit a location or location information of the property, forexample, Global Positioning System (GPS) coordinates, and the like. Asan example, the mobile device may include a mobile application that isbeing processed by a processor of the mobile device. In this case, themobile application may automatically transmit the captured images and/orthe location information to the computer system with or without userauthentication. In the exemplary embodiments herein, the at least one ofthe captured image and the location information may be referred to asproperty identifiers, because the computer system may use thisinformation to identify the specific property that the user isattempting to gather information about. That is, the property identifiermay include at least one of the capture image of the property and thelocation information of the property.

Based upon at least one of the captured image and the locationinformation, the computer system may retrieve historical informationabout the property, in 104, and risk information about the property, in105. For example, the historical information and the risk informationmay be retrieved from one or more property sources, such as a publicrecord database that is open to the public, or an internal database of acompany visible to employees of the company, such as a company that iscontrolling the computer system, for example, an insurance company, arealtor, a lender, and the like.

Furthermore, when a captured image is transmitted to the computersystem, the computer system may perform object recognition in 103 on thecaptured image by comparing the captured image to previously takenhistorical images of the property to identify any discrepancies, forexample, as a result of damage, a remodel, and the like. In thisexample, a user does not need to enter specific address details aboutthe property, but instead, may capture just an image and transmit theimage to the computer system. Accordingly, the system facilitates thegathering of information about the property without a user of the mobiledevice having to enter information about the property other than merelycapturing an image. The object recognition may go beyond historical andpublic record report information because it may be used to actually showphysical changes to the house and what those changes look like overtime, instead of mere descriptions of the changes. Accordingly, userconvenience may be further enhanced by combining property-relatedinformation on a screen that would normally require the user to performa separate look-up via a separate database.

Accordingly, object recognition information and/or GPS data may be usedto retrieve historical data and pictures of the property. For example, apotential homebuyer may have the mobile application on their phone andwhen they go to look at a particular house, they may take a picture ofit and submit it through the application. In this example, at least oneof captured images and captured locations of the property will betransmitted. In response, the GPS location may be retrieved by thecomputing device, historical pictures of the house which may already bestored on the database may be matched and the computing device maydetermine yes, this is 123 Main Street, match that up, and then showhistorical views of what the house looked like (such as several imagestaken over several years), pictures that have already been saved in thesystem or that you have already been retrieved from a property-relatedsource such as ZILLOW®, and the like. Accordingly, there is potentialfor homebuyers to see the changes that have happened to the house andthe additional data may also be grabbed and presented to the potentialbuyer through the mobile application.

Because the data may be numerous, and the screen of a mobile device maybe small in size, in 106 the computer system may determine someinformation from among all the total retrieved information that is bestto be displayed to the user of the mobile device. For example, thecomputer system may determine the best information to be displayed basedupon predefined rules set by the user, areas of concern detected by thecomputer system, filters, and the like. For example, a user/homebuyermay be interested in only one or a few categories of information, andnot in every possible category of information about the property. Forexample, maybe the user is only concerned with tax information, floodinformation, and the like. The computer system may filter data to bedisplayed to the user based upon these preferences.

Furthermore, based upon at least one of the captured image, capturedlocation, risk information, historical information, and objectrecognition information, at least one of mortgage rates and homeowner'sinsurance rates 107/108 may be displayed to the user of the mobiledevice. For example, insurance quotes (including premiums or discounts)may be given based upon user information, and data of the property thatis received and/or retrieved. As another example, insurance quotes mightnot be based upon the individuals involved, but may instead be basedupon, for example, an average insurance rate for the neighborhood bycalculating square footage of the area around and their relativeinsurance rates, or just relative insurance rates based upon theassessed value of the property, and the like. In these examples, it ispossible for a user of a mobile device to receive property information,insurance information, lending information, and the like, without havingto input or type information into the mobile application. Instead,merely the location information and/or the picture of the property maybe used to gather such information.

In some examples, the same data about the property may be used overagain to provide different information. For example, the propertyidentification information may be used to locate historical informationabout the property, and the same information may be used to rate andunderwrite insurance and home loans for the property, thus easing userconvenience. Also, because of the wealth of possible property-relatedinformation that may be received and/or retrieved, the computer systemmay determine the best information to use for an insurance estimate, amortgage rate, and the like, that would be most relevant to display tothe users.

The data flow in FIG. 1 may be a loop because the retrieved data and/orthe mortgage and insurance rate information may be added to the capturedimage and/or captured location of the property, and a consolidated viewincluding each category of data may be displayed on a screen of themobile device. Furthermore, by providing mortgage rates and/or insurancerates in addition to home purchasing information to a user of the mobiledevice, the system facilitates continuity in the shopping experience bycombining multiple home-purchasing tasks into a single application, andon a single screen, thus increasing user convenience. Also, thiscombined information may provide a user with a combined purchase totalbecause it may include the mortgage, the insurance, and it may furtherinclude additional information, such as cost of utilities, examples ofwhich will be further described below.

Exemplary Property Information Consolidation Device

FIG. 2 depicts an example of a property analyzing computing deviceconfigured to provide a user with a consolidated view ofproperty-related information, according to one exemplary embodiment.Referring to FIG. 2 , the property analyzer computing device 200(computing device 200) may output a combination of property-relatedinformation to be displayed on a screen of a mobile device of the user.For example, the computing device 200 may include a receiver 201 thatmay receive property identification information from the mobile deviceof the user. In this example, the received property identificationinformation may include a property identifier including at least one ofa picture of the property and location information of the property. Forexample, the property identification information may be automaticallyreceived from a mobile application stored on the mobile device of theuser. The identification information may include a location, such as GPScoordinates of the property, and the like.

The computing device 200 may also include a retriever 202 that mayretrieve property-related information from multiple property sourcesbased upon the received property identification information. In thisexample, each of the property sources may correspond to at least one ofa public record database, an internal database of a company controllingthe property analyzer computing device, an internal database of athird-party, and the like. Examples of property-related information willbe further described later.

The computing device 200 may also include a processor 203 that mayprocess retrieved information and consolidate the property-relatedinformation retrieved by the retriever, and generate a consolidatedproperty-related image of the property including the consolidatedproperty-related information. For example, the processor 203 maydetermine which retrieved proper-related information is the bestinformation to show to a user of the mobile device based upon userpreferences, settings, items of concern, and the like. The computingdevice 200 may also include a transmitter 204 that may transmit theconsolidated property-related image to the mobile device of the user.Also, the consolidated property-related image may be subsequentlyupdated or refreshed, and re-transmitted to the mobile device. Forexample, the consolidated image may be transmitted to a mobileapplication stored on the mobile device. In addition, in some examples,the transmitter 204 may transmit the consolidated property-related imageto a customer service associate, for example, of an insurance company, amortgage company, a realtor, and the like, for further processing andinvestigation.

The computing device 200 may further include an object recognitionmodule 205. In response to receiving a picture of the property from themobile device, the object recognition module may perform objectrecognition by comparing the received picture with historical picturesof the property to determine if any visual changes to the property haveoccurred. For example, if the property has been remodeled, damaged, andthe like, there will be a discrepancy in the pictures. Accordingly, theobject recognition module 205 may identify those changes in theconsolidated image processed by the processor 203, and identifydisparities in the public record data or the internal data of theproperty. Furthermore, when the computing device 200 determines that achange has occurred, the computing device may detect what caused suchchange, for example, from the property-related information retrieved bythe retriever 202.

According to one or more exemplary embodiments, the computing device 200may further include an insurance quote module 206 and/or a mortgage ratemodule 207. For example, the insurance quote module 206 may provide theuser of the mobile device with a homeowner's insurance quote based uponat least one of a picture of the property, a location of the property,property insurance rates in the area, and the like. Also, the mortgagerate module 207 may provide the user of the mobile device with amortgage rate on the total price of the property. When the processor 203generates the consolidated image, the consolidated image may include theinsurance quote and the mortgage rate.

Accordingly, the insurance quote module 206 and the mortgage rate module207 may facilitate continuity in the home buying experience by enablingthe user to not only search for information about the property, but alsoreceive additional offers for insurance and mortgage rates providing amore fuller and efficient shopping experience.

The computing device 200 may further include an augmented reality module208 that may be used to overlay property-related information retrievedby the retriever 202 onto a video feed displayed by the mobile device.For example, the augmented reality module may visually highlight changesthat have been made to the property over time, and the like.

Examples of Property-Related Information That May be Retrieved andConsolidated by the Computing Device

The retriever 202 of the property analyzer computing device may retrievehistorical severe weather data for the property from a property sourcebased upon the received property identification information, and theprocessor 203 may consolidate the retrieved historical severe weatherdata with the other property-related information retrieved by theretriever 202 to generate the consolidated processed image. As anotherexample, the retriever 202 may retrieve risk information for theproperty from a property source based upon the received propertylocation information, and the processor 203 may consolidate the riskinformation for the property with the other property-related informationretrieved by the retriever 202 to generate the consolidated processedimage. The risk information may include information about at least oneof flooding, wildfire, and storm surge, with respect to the property.

The retriever 202 may retrieve criminal record data for the propertyfrom a property source based upon the received property identificationinformation, and the processor 203 may consolidate the retrievedcriminal record data with the other property-related informationretrieved by the retriever 202 to generate the consolidated processedimage. As another example, the retriever 202 may retrieve property taxdata for the property from a property source based upon the receivedproperty identification information, and the processor 203 mayconsolidate the retrieved property tax data with the otherproperty-related information retrieved by the retriever 202 to generatethe consolidated processed image.

The retriever 202 may retrieve market value cost data for the propertyfrom a property source based upon the received property identificationinformation, and the processor 203 may consolidate the retrieved marketvalue cost data with the other property-related information retrieved bythe retriever 202 to generate the consolidated processed image. Asanother example, the retriever 202 may retrieve building permit data forthe property from a property source based upon the received propertyidentification information, and the processor 203 may consolidate theretrieved building permit data with the other property-relatedinformation retrieved by the retriever 202 to generate the consolidatedprocessed image.

The retriever 202 may retrieve school district information for theproperty from a property source based upon the received propertyidentification information, and the processor 203 may consolidate theschool district information with the other property-related informationretrieved by the retriever 202 to generate the consolidated processedimage. As another example, the retriever 202 may retrieve historicalutility rate data for the property from a property source based upon thereceived property identification information, and the processor 203 mayconsolidate the historical utility rate data with the otherproperty-related information retrieved by the retriever 202 to generatethe consolidated processed image.

The retriever 202 may retrieve previous insurance claims data for theproperty from a property source based upon the received propertyidentification information, and the processor 203 may consolidate theprevious insurance claims data with the other property-relatedinformation retrieved by the retriever 202 to generate the consolidatedprocessed image. As another example, the retriever 202 may retrievecounty assessor data for the property from a property source based uponthe received property identification information, and the processor 203may consolidate the county assessor data with the other property-relatedinformation retrieved by the retriever 202 to generate the consolidatedprocessed image.

The retriever 202 may retrieve surrounding area data for the propertyfrom a property source based upon the received property identificationinformation, and the processor 203 may consolidate the surrounding areadata with the other property-related information retrieved by theretriever 202 to generate the consolidated processed image. For example,the surrounding area data may include at least one of stores in thesurrounding area, travel time to the user's workplace, attractions inthe surrounding area, and the like.

Exemplary Sequence Diagram Between Computing Devices

FIG. 3 depicts an example of a sequence diagram of a user capturingidentification information of a property using a mobile device andtransmitting the captured identification information to aproperty-related information consolidating computing device, accordingto one exemplary embodiment.

Referring to FIG. 3 , a mobile device 300 of a user communicates with aproperty-related information consolidating computing device (“computingdevice 200”). For example, the mobile device 300 may be a mobile phone,a tablet, a computer, a smart watch, a digital assistant, an MP3 player,and the like. The computing device 200 may be, for example, a computer,a server, a tablet, and the like. The communication may be wirelesslytransmitted, transmitted via a wire, or a combination thereof. Accordingto various embodiments, the mobile device 300 may store a mobileapplication which communicates with the computing device 200.

In 301, a user of a mobile device 300 may capture propertyidentification information. For example, the mobile device 300 mayinclude a camera which a user may use in 301 to capture one or moreimages of a property, and transmit in 302 the one or more images to thecomputing device 200, such as via wireless communication and/or datatransmission. As another example, in 301, the mobile device 300 maycapture location information of the property, and transmit the locationinformation in 302, for example, Global Positioning System (GPS)coordinates, and the like. The location information may be automaticallyretrieved by the mobile device 300 and the mobile application storedthereon. As another example, a user may manually send the locationinformation to the computing device 200.

According to one or more exemplary embodiments, the mobile device 300may include a mobile application that is being processed by a processorof the mobile device 300. In this case, the mobile application mayautomatically or in response to a user input transmit the capturedimages and/or the location information to the computer device 200. Inthe exemplary embodiments herein, the at least one of the captured imageand the location information are referred to as a property identifier,because the computing device 200 may use this information to identifythe specific property that the user is attempting to gather informationabout.

Based upon the property identifier, the computing device retrievesproperty-related information in 303. For example, the property-relatedinformation may include historical information about the property, riskinformation about the property, object recognition information from apicture of the property, and the like. For example, the historicalinformation and the risk information may be retrieved from one or moreproperty sources, such as a public record database that is open to thepublic or an internal database of a company, such as a company that iscontrolling the computer system, for example, an insurance company, arealtor, and the like.

In an example in which the user transmits an image of the property in302, a user does not need to enter specific address details about theproperty, but instead, may capture just an image and transmit the imageto the computing device which leads to hands-free data gathering of theproperty using the mobile device 300 in communication with the computingdevice 200. As another example, the transmitted property identifier maybe GPS coordinates of the property that are automatically gathered bythe mobile application from the mobile device. Accordingly, the systemmay facilitate the gathering of information about the property without auser of the mobile device 300 having to enter information about theproperty other than merely capturing an image or GPS information beinggathered by the mobile device 300. Accordingly, user convenience may befurther enhanced by providing instant access to property-relatedinformation on a screen that would normally require the user to performa separate manual look-up.

Because the data may be numerous, and the screen of a mobile device 300may be limited in size, in 304 the computing device 200 may determinesome property-related information from among the entire amount of thetotal retrieved property-related information that is best to bedisplayed to a user of the mobile device 300. For example, the computingdevice 200 may determine the best information to be displayed based uponpredefined rules set by the user, areas of concern detected by thecomputing device 200, filters, and the like. The best information to bedisplayed may be consolidated into an image by the computing device 200in 305 and transmitted to the mobile device 300 in 306. In response, themobile device 300 may display the consolidated image in 307 on a screenthereof.

Furthermore, based upon at least one of the captured image, capturedlocation, risk information, historical information, and objectrecognition information, at least one of mortgage rates and homeowner'sinsurance rates may be generated in 308 and may be transmitted to themobile device 300, in 309. In this example, the transmission of theconsolidated image and the mortgage/insurance rate is shown as separatetransmissions, but in some examples both the consolidated image and themortgage and/or insurance rates may be simultaneously transmitted.Regardless of whether the transmissions are separate or simultaneous,the mobile device 300 may display the consolidated image including themortgage/insurance rate in 310.

Exemplary Screen Shots of Various Properties Along With ConsolidatedProperty-Related Information

FIGS. 4-6 depict various screen shots of property-related informationdisplayed in a consolidated view. For example, FIG. 4 depicts an exampleof a screen shot of a personal property including renovation informationbeing simultaneously displayed with two pictures of the property in aconsolidated view, according to one exemplary embodiment. The toppicture highlights a new roof that was added in 2014 and an additionthat was added in 2015, while the bottom picture illustrates what theproperty looked like in 2012 and 2010. In addition to the pictures, alsoillustrated is changes in market value and square footage of theproperty.

FIG. 5 depicts an example of a screen shot of a commercial propertyincluding insurance information, workers compensation information, andbuilding permit data, being simultaneously displayed with three picturesof the property in a consolidated view, according to one exemplaryembodiment. In this example, pictures of the property from 1971, 1973,and 1975 are illustrated. Also illustrated is workers compensationclaims, building permits, and insurance coverage information from 1973.

FIG. 6 depicts another example of a screen shot of a personal propertyincluding sales history information, market value information, schoolinformation, tax information, insurance estimate information, countyassessor value, and the like, being simultaneously displayed with apicture of the property in a consolidated view, according to oneexemplary embodiment. As an example, an insurance estimate may be basedupon the following formula: (Avg. Neighborhood Insurance Rate/Avg.Neighborhood Assessed Value)*(Assessed Value of Particular Property).Also included in the photo of FIG. 6 is a utility rate, insurancefactors, school location information, and the like.

Exemplary Method for Providing a Consolidated View of Property-RelatedInformation

FIG. 7 depicts an example of a computer-implemented method for providinga user with a consolidated view of property-related information,according to one exemplary embodiment. This example includes acomputer-based property analyzer method for displaying a combination ofproperty-related information on a screen of a mobile device.

Referring to FIG. 7 , in 701 the method may include receiving propertyidentification information from a mobile device of a user. For example,the received property identification information may include a propertyidentifier including at least one of a picture of the property orlocation information of the property. In 702, the method may furtherinclude retrieving property-related information from multiple propertysources based upon the received property identification information. Forexample, each of the property sources may include a public recorddatabase or an internal database of a company, such as an insurancecompany, a mortgage company, a realtor, and the like.

In 703, the method may include determining which retrievedproperty-related information is the best to show to the user of themobile device, for example, based upon user preferences, or areas ofconcern detected by the computing device. In 704, the method may furtherinclude consolidating the best determined property-related informationretrieved during the retrieving, and generating a consolidated processedimage of the property including the consolidated property-relatedinformation. In 705, the method may further include transmitting theconsolidated processed image to the mobile device of the user.

Exemplary Functionality and Data Sources

The present embodiments may provide a computing device-based applicationthat combines relevant home buying data sources into a single view for auser, enabling advanced and timely research capabilities. For instance,based upon location services (e.g., GPS), object recognition (e.g.,matching photo of house to a library of property photos), or opticalcharacter recognition (e.g., identifying house numbers or street signs),the risk location address may be established. The property or homeaddress may be the key to retrieving home buying-relevant informationfrom 3rd parties and internal company data stores, and/or other sourcesmentioned herein, such as various websites.

In addition, images captured through the camera of the mobile device maybe analyzed to determine disparities with 3^(rd) party or internalcompany data (e.g., when remodeling or weather damage has occurred), aswell as recognition of specific safety, liability, or maintenanceconcerns (e.g., a damaged or aged roof). Trends related to the house andneighborhood may also be established and displayed (for example, trendsin the price of the particular property over past 20 years or trends intaxes). A determination of the best information to display to a user maybe generated based upon a combination of business rules (e.g., when amajor concern is identified), user presets and preferences.

Further, users may act on their interest in the property in a number ofways via the capability to receive an insurance quote (based upon theinformation captured, retrieved and other customer information), receivemortgage rates (based upon the same), discover flood insuranceeligibility, and/or browse historical images of a property (such imagesmay be keyed to relevant information, based upon the year of the photoand the year of property-relevant facts). Customized rates for insuranceand mortgage may be based upon “wallet data” captured in the set-upprocess of the application, in order to customize responses to useractions (and, for example, order consumer reports, in order to establishcredit- and loss-based rating and eligibility facts).

In addition to the object recognition inputs, the application mayretrieve and aggregate data from one or more of the following sources:internal company data for the property, historical severe weather datafor the immediate vicinity, crime records for the area, legislativeactivities that bear on the property (e.g., local property tax rates),local municipal alerts (historical), tax credit records (e.g., forupgrades to the property's appliances), building permit data, countyassessor valuations, claims/loss data, flood plain maps, peril maps(e.g., wildfire or storm surge risks), historical “street view” images(keyed by address and timestamp metadata), historical utilities ratedata (trends and current going rates for electricity, etc.), marketvalue fluctuations (per sale and/or per estimated value ranges viaservices such as Zillow), school district information (including whichschools serve the neighborhood and their various rankings andperformance data), upkeep trends (based upon evidence in historicalimages), and information about the surrounding area (e.g., grocerystores within walking distance, travel times to a user's workplace,etc.). Various “augmented reality” enhancements may also be envisioned(e.g., overlaying any or all of the above information onto video feed ona mobile device that has a camera and a screen).

Further enhancements may include using this application to streaminformation to a remote customer service associate (e.g., in aninsurance sales situation) in order to allow for visual images (and allof the various sources of information noted above) to be put into thehands of an expert for further analysis. Additional enhancements mayalso include the above application being embedded within a larger suiteof applications that facilitate the entire home purchasing experience(including facilitation of the sales negotiation, inspections, andclosing).

Integration of data sources may include, and/or be associated with, (i)picture-based risk location and property identification (for no-typingapproach); (ii) active object recognition for risk determination (notjust report consolidation); (iii) historical image browsing (based uponlocation identification); (iv) historical maintenance browsing; (v)pre-fill of insurance quote; and/or (vi) pre-fill of mortgage quote.

In one aspect, a computer-implemented method for providingproperty-related information to online customers may be provided. Themethod may include (1) receiving, via one or more processors (and/ortransceivers), a property image and/or a property location associatedwith the property from a mobile device of a customer, such as viawireless communication or data transmission; (2) using, via the one ormore processors, the property image or property location to retrieveproperty-related information associated with the property (which mayinclude historical images of the property) from one or more databases orcommunication networks (such as the internet); (3) generating, via theone or more processors, a composite display of the property using (i)the property-related information associated with the property retrieved,and/or (ii) the property image received from the mobile device, thecomposite display including one or more images of the property andinformation related to one or more topics associated with the property(such as community information, tax or tax assessment information, crimerates, school information, utility information, insurance pricing orquotes (and/or premiums or discounts), past insurance claim history,past home repair or remodeling information, square footage within thehome, home features, home loan information, and other information);and/or (4) transmitting, via the one or more processors (and/orassociated transceivers), the composite display to the mobile device ofthe customer, such as via wireless communication or data transmission,to provide the property-related information on the mobile device displayfor the customer's review or approval, and to enhance an online customerexperience. The method may include additional, less, or alternateactions, including those discussed elsewhere herein, and may beimplemented via one or more local or remote processors and/or viacomputer-executable instructions stored on non-transitorycomputer-readable instructions.

In another aspect, a computer system for providing property-relatedinformation to customers may be provided. The computer system mayinclude one or more processors and/or transceivers configured to: (1)receive a property image and/or a property location associated with theproperty from a mobile device of a customer, such as via wirelesscommunication or data transmission; (2) using or analyzing the propertyimage or property location to retrieve property-related informationassociated with the property (which may include historical images of theproperty) from one or more databases or communication networks (such asthe internet); (3) generate a composite display of the property using(i) the property-related information associated with the propertyretrieved, and/or (ii) the property image received from the mobiledevice, the composite display including one or more images of theproperty and information related to one or more topics associated withthe property (such as community information, tax or tax assessmentinformation, crime rates, school information, utility information,insurance pricing or quotes (and/or premiums or discounts), pastinsurance claim history, past home repair or remodeling information,home loan information, and other information); and/or (4) transmit thecomposite display to the mobile device of the customer, such as viawireless communication or data transmission, to provide theproperty-related information on the mobile device display for thecustomer's review or approval, and/or to enhance an online customerexperience. The system may include additional, less, or alternatefunctionality, including that discussed elsewhere herein.

Exemplary Mobile Device

FIG. 8 depicts an exemplary configuration of a mobile computing device,i.e., a mobile device, 802 which may be the equivalent of mobile device300 shown in FIG. 3 . Mobile computing device 802 may include aprocessor 805 for executing instructions. In some embodiments,executable instructions may be stored in a memory area 810. Processor805 may include one or more processing units (e.g., in a multi-coreconfiguration). Memory area 810 may be any device allowing informationsuch as executable instructions and/or other data to be stored andretrieved. Memory area 810 may include one or more computer-readablemedia. Memory area 810 may further store a mobile application, forexample, a property-related mobile application that may be executed bythe processor 805.

Mobile computing device 802 may also include at least one media outputcomponent 815 for presenting information to a user 1200. Media outputcomponent 815 may be any component capable of conveying information touser 1200. In some embodiments, media output component 815 may includean output adapter, such as a video adapter and/or an audio adapter. Anoutput adapter may be operatively coupled to processor 805 and capableof being coupled to an output device, such as a display device (e.g., aliquid crystal display (LCD), organic light emitting diode (OLED)display, cathode ray tube (CRT), or “electronic ink” display) or anaudio output device (e.g., a speaker or headphones). In someembodiments, media output component 815 may be configured to present aninteractive user interface (e.g., a web browser or client application)to user 1200. The interactive user interface may include, for example, areality augmentation interface for requesting and viewing EnhancedSituation Visualization.

In some embodiments, mobile computing device 802 may include an inputdevice 820 for receiving input from user 1200. Input device 820 mayinclude, for example, a keyboard, a pointing device, a mouse, a stylus,a touch sensitive panel (e.g., a touch pad or a touch screen), a camera,a gyroscope, an accelerometer, a position detector, and/or an audioinput device. A single component such as a touch screen may function asboth an output device of media output component 815 and input device820.

Computing device 802 may also include a communication interface 825,which is communicatively coupled to a remote device such as insurancecomputing device. Communication interface 825 may include, for example,a wired or wireless network adapter or a wireless data transceiver foruse with a mobile phone network (e.g., Global System for Mobilecommunications (GSM), 3G, 4G or Bluetooth) or other mobile data network(e.g., Worldwide Interoperability for Microwave Access (WIMAX)).

Stored in memory area 810 may be, for example, computer-readableinstructions for providing a user interface to user 1200 via mediaoutput component 815 and, optionally, receiving and processing inputfrom input device 820. A user interface may include, among otherpossibilities, a web browser and client application. Web browsers enableusers 1200 to display and interact with media and other informationtypically embedded on a web page or a website from a web serverassociated with a merchant. A client application allows users 1200 tointeract with a server application associated with, for example, avendor or business.

Exemplary Server Device

FIG. 9 depicts an exemplary configuration of a server computing device902 which may be the computing device 200 shown in FIG. 3 . Servercomputing device 902 may be representative of user computing device, aninsurance computing device, a utility computing device, a mortgage ratecomputing device, and the like. Server computing device 902 may includea processor 904 for executing instructions. Instructions may be storedin a memory area 906, for example. Processor 904 may include one or moreprocessing units (e.g., in a multi-core configuration).

Processor 904 may be operatively coupled to a communication interface908 such that server computing device 902 may be capable ofcommunicating with a remote device, such as mobile computing device 802shown in FIG. 8 or another server computing device 902. For example,communication interface 908 may receive requests from a user of mobilecomputing device 802 via the Internet.

Processor 904 may also be operatively coupled to a storage device 910.Storage device 910 may be any computer-operated hardware suitable forstoring and/or retrieving data. In some embodiments, storage device 910may be integrated in server computing device 902. For example, servercomputing device 902 may include one or more hard disk drives as storagedevice 910. In other embodiments, storage device 910 may be external toserver computing device 902 and may be accessed by a plurality of servercomputing devices 902. For example, storage device 910 may includemultiple storage units such as hard disks or solid state disks in aredundant array of inexpensive disks (RAID) configuration. Storagedevice 910 may include a storage area network (SAN) and/or a networkattached storage (NAS) system.

In some embodiments, processor 904 may be operatively coupled to storagedevice 910 via a storage interface 912. Storage interface 912 may be anycomponent capable of providing processor 904 with access to storagedevice 910. Storage interface 912 may include, for example, an AdvancedTechnology Attachment (ATA) adapter, a Serial ATA (SATA) adapter, aSmall Computer System Interface (SCSI) adapter, a RAID controller, a SANadapter, a network adapter, and/or any component providing processor 904with access to storage device 910.

Memory areas 810 (shown in FIGS. 8 ) and 906 may include, but are notlimited to, random access memory (RAM) such as dynamic RAM (DRAM) orstatic RAM (SRAM), read-only memory (ROM), erasable programmableread-only memory (EPROM), electrically erasable programmable read-onlymemory (EEPROM), and non-volatile RAM (NVRAM). The above memory typesare example only, and are thus not limiting as to the types of memoryusable for storage of a computer program.

Additional Considerations

As will be appreciated based upon the foregoing specification, theabove-described embodiments of the disclosure may be implemented usingcomputer programming or engineering techniques including computersoftware, firmware, hardware or any combination or subset thereof. Anysuch resulting program, having computer-readable code means, may beembodied or provided within one or more computer-readable media, therebymaking a computer program product, i.e., an article of manufacture,according to the discussed embodiments of the disclosure. Thecomputer-readable media may be, for example, but is not limited to, afixed (hard) drive, diskette, optical disk, magnetic tape, semiconductormemory such as read-only memory (ROM), and/or any transmitting/receivingmedium such as the Internet or other communication network or link. Thearticle of manufacture containing the computer code may be made and/orused by executing the code directly from one medium, by copying the codefrom one medium to another medium, or by transmitting the code over anetwork.

These computer programs (also known as programs, software, softwareapplications, “apps”, or code) include machine instructions for aprogrammable processor, and may be implemented in a high-levelprocedural and/or object-oriented programming language, and/or inassembly/machine language. As used herein, the terms “machine-readablemedium” “computer-readable medium” refers to any computer programproduct, apparatus and/or device (e.g., magnetic discs, optical disks,memory, Programmable Logic Devices (PLDs)) used to provide machineinstructions and/or data to a programmable processor, including amachine-readable medium that receives machine instructions as amachine-readable signal. The “machine-readable medium” and“computer-readable medium,” however, do not include transitory signals.The term “machine-readable signal” refers to any signal used to providemachine instructions and/or data to a programmable processor.

As used herein, a processor may include any programmable systemincluding systems using micro-controllers, reduced instruction setcircuits (RISC), application specific integrated circuits (ASICs), logiccircuits, and any other circuit or processor capable of executing thefunctions described herein. The above examples are example only, and arethus not intended to limit in any way the definition and/or meaning ofthe term “processor.”

As used herein, the terms “software” and “firmware” are interchangeable,and include any computer program stored in memory for execution by aprocessor, including RAM memory, ROM memory, EPROM memory, EEPROMmemory, and non-volatile RAM (NVRAM) memory. The above memory types areexample only, and are thus not limiting as to the types of memory usablefor storage of a computer program.

In one embodiment, a computer program is provided, and the program isembodied on a computer readable medium. In one example embodiment, thesystem is executed on a single computer system, without requiring aconnection to a sever computer. In a further embodiment, the system isbeing run in a Windows® environment (Windows is a registered trademarkof Microsoft Corporation, Redmond, Wash.). In yet another embodiment,the system is run on a mainframe environment and a UNIX® serverenvironment (UNIX is a registered trademark of X/Open Company Limitedlocated in Reading, Berkshire, United Kingdom). The application isflexible and designed to run in various different environments withoutcompromising any major functionality. In some embodiments, the systemincludes multiple components distributed among a plurality of computingdevices. One or more components may be in the form ofcomputer-executable instructions embodied in a computer-readable medium.The systems and processes are not limited to the specific embodimentsdescribed herein. In addition, components of each system and eachprocess may be practiced independent and separate from other componentsand processes described herein. Each component and process may also beused in combination with other assembly packages and processes.

As used herein, an element or step recited in the singular and precededby the word “a” or “an” should be understood as not excluding pluralelements or steps, unless such exclusion is explicitly recited.Furthermore, references to “exemplary embodiment” or “one embodiment” ofthe present disclosure are not intended to be interpreted as excludingthe existence of additional embodiments that also incorporate therecited features.

The patent claims at the end of this document are not intended to beconstrued under 35 U.S.C. § 112(f) unless traditionalmeans-plus-function language is expressly recited, such as “means for”or “step for” language being expressly recited in the claim(s).

This written description uses examples to disclose the disclosure,including the best mode, and also to enable any person skilled in theart to practice the disclosure, including making and using any devicesor systems and performing any incorporated methods. The patentable scopeof the disclosure is defined by the claims, and may include otherexamples that occur to those skilled in the art. Such other examples areintended to be within the scope of the claims if they have structuralelements that do not differ from the literal language of the claims, orif they include equivalent structural elements with insubstantialdifferences from the literal language of the claims.

We claim:
 1. A mobile device for displaying a combination ofproperty-related information on a display screen of the mobile device,the mobile device comprising at least one processor in communicationwith at least one memory, wherein the at least one processor isprogrammed to: identify a property at a property location based upon acurrent location of the mobile device; capture a live video feed of theproperty; compare the live video feed of the property with at least onehistorical property picture of the property at the property location toidentify at least one disparity between the historical property pictureand the live video feed of the property; generate an augmented realityoverlay, wherein the augmented reality overlay is configured to visuallyhighlight the at least one identified disparity; and cause the augmentedreality overlay to be simultaneously displayed with the live video feedon the display screen of the mobile device.
 2. The mobile device ofclaim 1, wherein the property location is identified via a mobileapplication stored by the mobile device, and the augmented realityoverlay is generated by the mobile application of the mobile device. 3.The mobile device of claim 1, wherein the at least one processor isfurther programmed to generate the augmented reality overlay accordingto preset rules that are based upon at least one of user preferences,user settings, and preidentified concerns about the property.
 4. Themobile device of claim 1, wherein the mobile device includes a camera tocapture a picture of the property and the live video feed of theproperty, wherein the at least one processor is further programmed to:retrieve, from a database comprising a plurality of historical propertypictures for a plurality of properties, the at least one historicalproperty picture of the plurality of historical property pictures of theproperty at the property location; and perform an image analysis on theat least one historical property picture and the live video feed of theproperty to identify the at least one disparity between the historicalproperty picture and the picture of the property.
 5. The mobile deviceof claim 4, wherein the at least one processor is further programmed toreceive a picture of the property from the camera of the mobile device.6. The mobile device of claim 4, wherein the at least one processor isfurther programmed to extract the picture of the property from the livevideo feed.
 7. The mobile device of claim 4, wherein the at least oneprocessor is further programmed to compare the picture of the propertywith the at least one historical property picture of the property todetermine disparities with public record data or internal data of theproperty.
 8. The mobile device of claim 1, wherein the at least oneprocessor is further programmed to identify the property location basedon Global Positioning System (GPS) coordinates captured by the mobiledevice at the current location.
 9. The mobile device of claim 1, whereinthe at least one processor is further programmed to transmit theproperty location to one or more remote servers; and receive informationabout the property from the one or more remote servers.
 10. The mobiledevice of claim 1, wherein the at least one processor is furtherprogrammed to: receive an insurance quote for the property based uponinformation about the property; and adjust the augmented reality overlayto display the insurance quote on the display screen of the mobiledevice.
 11. The mobile device of claim 1, wherein the at least oneprocessor is further programmed to: receive a mortgage rate quote forthe property based upon information about the property; and adjust theaugmented reality overlay to display the mortgage rate quote on thedisplay screen of the mobile device.
 12. The mobile device of claim 1,wherein the at least one processor is further programmed to: retrievehistorical severe weather data based upon the property location; andadjust the augmented reality overlay to display one or more statisticsof the retrieved historical severe weather data on the display screen ofthe mobile device.
 13. The mobile device of claim 1, wherein the atleast one processor is further programmed to: retrieve risk informationbased upon the property location, wherein the risk information comprisesinformation about at least one of flooding, wildfire, and storm surge,with respect to the property; and adjust the augmented reality overlayto display the risk information for the property on the display screenof the mobile device.
 14. The mobile device of claim 1, wherein the atleast one processor is further programmed to: retrieve at least one ofcriminal record data for the property, property tax data for theproperty, market value cost data for the property, building permit datafor the property, or county assessor data based upon the propertylocation; and adjust the augmented reality overlay to display at leastone of the criminal record data, the property tax data, the market valuecost data, the building permit data, or the county assessor data on thedisplay screen of the mobile device.
 15. The mobile device of claim 1,wherein the at least one processor is further programmed to: retrieveschool district information based upon the property location; and adjustthe augmented reality overlay to display the school district informationon the display screen of the mobile device.
 16. The mobile device ofclaim 1, wherein the at least one processor is further programmed to:retrieve historical utility rate data based upon the property location;and adjust the augmented reality overlay to display the historicalutility rate data on the display screen of the mobile device.
 17. Themobile device of claim 1, wherein the at least one processor is furtherprogrammed to: retrieve previous insurance claims data based upon theproperty location; and adjust the augmented reality overlay to displaythe previous insurance claims data on the display screen of the mobiledevice.
 18. The mobile device of claim 1, wherein the at least oneprocessor is further programmed to visually highlight changes that havebeen made to the property over time.
 19. A computer-based propertyanalyzer method for displaying a combination of property-relatedinformation on a display screen of a mobile device, the methodcomprising: identifying a property at a property location based upon acurrent location of the mobile device; capturing a live video feed ofthe property; comparing the live video feed of the property with atleast one historical property picture of the property at the propertylocation to identify at least one disparity between the historicalproperty picture and the live video feed of the property; generating anaugmented reality overlay, wherein the augmented reality overlay isconfigured to visually highlight the at least one identified disparity;and causing the augmented reality overlay to be simultaneously displayedwith the live video feed on the display screen of the mobile device. 20.A computing device for displaying a combination of property-relatedinformation on a display screen of a mobile device, the computing devicecomprising at least one processor in communication with at least onememory, wherein the at least one processor is programmed to: identify aproperty at a property location based upon a current location of themobile device; transmit a plurality of computer executable instructionsto the mobile device, wherein the plurality of computer executableinstructions are configured to capture a live video feed of theproperty; compare the live video feed of the property with at least onehistorical property picture of the property at the property location toidentify at least one disparity between the historical property pictureand the live video feed of the property; generate an augmented realityoverlay, wherein the augmented reality overlay is configured to visuallyhighlight the at least one identified disparity; and transmit aplurality of computer executable instructions to the mobile device,wherein the plurality of computer executable instructions are configuredto cause the augmented reality overlay to be simultaneously displayedwith the live video feed on the display screen of the mobile device.